What do you think?

[Kid Cid]

This is what I thought as well...but I'm a renter so what the he11 do I know anyways.

Nothing a good umbrella policy can't fix.

[TimC]

I flew from New Yawk City to Richmond with a Mooslim in full garb on the way back from Vegas. You betcha I was ready to keek his ass if he looked the wrong way to Allah. However, he was a good little terrorist because he was petrified flying into the Confederacy where we don't play around with the political correctness you Commies do and will ask questions later.

[isleseeya]

I flew from New Yawk City to Richmond with a Mooslim in full garb on the way back from Vegas. You betcha I was ready to keek his ass if he looked the wrong way to Allah. However, he was a good little terrorist because he was petrified flying into the Confederacy where we don't play around with the political correctness you Commies do and will ask questions later.

 

 

You sure it was a terrorist in full garb instead of an old Greek lady ?

 

Baboothcka

[TimC]

You sure it was a terrorist in full garb instead of an old Greek lady ?

 

Baboothcka

 

Why do you tease me with dat fine ass?

[isleseeya]

Why do you tease me with dat fine ass?

 

Lol ..that lady was around when Zeus was a toddler

[whoopazz]

What do I think? I think you need to get a job and stop surfing.

[TheShiznit]

Not true. Your homeowner's liability coverage only protects you from lawsuits if somone gets injured on your insured property or if your insured property somehow is the cause of the lawsuit. This would have absolutley nothing to do with your homeowner's insurance.

 

Very much so not true....educate yourself and then attempt a proper post again. You have liability coverage on your homeowners insurance...it doesn't mean the offense has to happen at your property. Your insurance follows you. I surely hope you do not sell this stuff....your clients surely need a new agent.

 

Example, one of my clients kids were pushing a shopping cart in a grocery store. The kid was ten and decided to run with the cart....and hit a 3 year olds face point blank at a pretty high rate of speed. The people sued my client for the medical bills and their liability on the homeowners covered them up to 500,000....and the judgment was way less.

 

So, the moral of this story is that the liability on your homeowners is the same coverage as an umbrella policy....except it doesn't provide extra coverage in car, motorcycle, boat, and etc..accidents. Do you now care to disagree?

[TheShiznit]

This is what I thought as well...but I'm a renter so what the he11 do I know anyways.

 

You also have liability coverage available on renters policies....starts usually at 100K and usually caps out at 500K some policies go to 1 mil before you have to purchase a seperate umbrella policy.

[TheShiznit]

OH SNAP!

 

LOL....did you ask Vanna if you could buy a vowel....cause you don't have a clue?

 

Query: When you get divorced, are you still gonna be brother and sister?

[H8tank]

Query: When you get divorced, are you still gonna be brother and sister?

 

Till death do you part. And tell your mom hi for me, but she's a little fat for my taste.

[TheShiznit]

Till death do you part. And tell your mom hi for me, but she's a little fat for my taste.

 

She is also a little female for you tastes as well.

[H8tank]

Cool, you got the inbred AND homo slaps in there, quite impressive for an insurance salesman!

 

Don't you have some cold calling to do?

[Ursa Majoris]

So, the moral of this story is that the liability on your homeowners is the same coverage as an umbrella policy....except it doesn't provide extra coverage in car, motorcycle, boat, and etc..accidents. Do you now care to disagree?

This is what my financial adviser told me back in March. He said I should think about an umbrella policy because my homeowners liability only went to $300k.

[TheShiznit]

Cool, you got the inbred AND homo slaps in there, quite impressive for an insurance salesman!

 

Don't you have some cold calling to do?

 

No, I am not desperate...nor am I an insurance salesman. Nice try. Come back when you actually have something coherent to say.

[TheShiznit]

This is what my financial adviser told me back in March. He said I should think about an umbrella policy because my homeowners liability only went to $300k.

 

Excellent advice. If you have any assets to protect....and folks...don't forget your EARNING POWER is your largest asset.....then I would buy as much as deemed necessary...your advisor should be able to help you with that formulation. An umbrella would also sit above your auto liability limits and help there as well. At a minimum everyone with an income and a home should own 1mil in liability.

[SF409ers]

So, the moral of this story is that the liability on your homeowners is the same coverage as an umbrella policy....except it doesn't provide extra coverage in car, motorcycle, boat, and etc..accidents. Do you now care to disagree?

 

Technically doesn't an umbrella policy kick in after your liability runs out? I thought it was "extra" insurance to provide protection above and beyond the limits of your liability protection amount. Also under the umbrella policy can't you extend protection to cover claims such as slander / libel that may not be covered under your laiblity alone? It sounds like you are in the insurance biz, so I was just curious if I understand this correctly or not. I was under the impression they are not the same thing.

Edited November 12, 2007 by SF409ers

[TheShiznit]

Technically doesn't an umbrella policy kick in after your liability runs out? I thought it was "extra" insurance to provide protection above and beyond the limits of your liability protection amount. Also under the umbrella policy can't you extend protection to cover claims such as slander / libel that may not be covered under your laiblity alone? It sounds like you are in the insurance biz, so I was just curious if I understand this correctly or not. I was under the impression they are not the same thing.

 

Pegged! However, you would have to check with the carrier, but some umbrella policies will still not cover slander or libel.

[Ursa Majoris]

Pegged! However, you would have to check with the carrier, but some umbrella policies will still not cover slander or libel.

Thinking about it, why would insurance cover slander / libel any more than it would cover you being a burglar or mugger?

[TheShiznit]

Thinking about it, why would insurance cover slander / libel any more than it would cover you being a burglar or mugger?

 

Well cause slander or libel is sometimes tough to know when you are doing it. Also, burglury and mugging are felonies....you can only sue someone for libel or slander and even then it has to pass the Sullivan test. So, I can understand why policies would cover it.

 

BTW, a mil should only cost something like 180 dollars a year...2mil like 225. It is ultra cheap insurance. Your rep will make at max 12% on the premium so that is not his/her focus for the recommendation.

Edited November 13, 2007 by TheShiznit